Transak scores 40 points above Fonbnk, led by purchase cost, quote honesty, and named licence. Transak ranks #1 and Fonbnk #15 of 16 published onramps. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Transak81
vs
Fonbnk41
Scores are out of 100; published scores fall within 41–99 · ranks #1 and #15 of 16
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.2
Reproduced gap+52.5
Published gapAfter score rounding and bounds — see the note below8141+40.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
A floor bound on one row means the criterion arithmetic does not reproduce the displayed gap exactly.
TransakScore 81The most disclosed onramp in the pool — full per-rail fee schedule with minimum floors plus a separately stated spread over CoinGecko of 0% to 2.5% depending on volatility (a flat 2.5% in August; read 2026-09-28) — whose own help centre admits the settled amount floats to the settlement-time rate on bank rails, and whose otherwise numbered five-jurisdiction licence stack has a conspicuous MiCA-shaped hole.Strength: All in purchase cost — 7/10Watch-out: The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.FonbnkScore 41Mobile-money, bank and digital-wallet rail turning KES/NGN/GHS and ten other local currencies into stablecoins in the 18 countries the provider states on 2026-09-29 have an on-ramp channel (its homepage says '19 Markets'; the docs call airtime 'off-ramp only, everywhere') — the most local rail in the pool, and the pool's silence specimen on fees, quote binding and licences.Strength: Kyc friction time to coins — 5/10Watch-out: Your recourse is structurally thinner than your purchase: a US$500 on-ramp ceiling, a refund path that exists only as a help-centre 'refund link' email the terms never promise, no status page, and a Delaware ToS capping Fonbnk's total liability at US$50 — about a fifth of the EUR200-equivalent purchase — with no licence in any of the 20 countries its docs listed on 2026-09-29 to complain to a regulator about.
Quick facts
At a glance
1 of 3 rows read the same for both.
FactTransakFonbnk
Purchase spreadSnapshotTransak help-centre article "How does Transak calculate prices and fees?" (https://support.transak.com/en/articles/7845942-how-does-transak-calculate-prices-and-fees), fetched 28 September 2026, HTTP 200 ("Updated over 3 weeks ago"). On-ramp fees: SEPA Transfer "0.99% of transaction amount, minimum 1 EUR"; Credit / Debit Card (EUR) "3.5% of transaction amount + 1 EUR"; Credit / Debit Card (non-EUR) "5.5% of transaction amount + 1 EUR"; Apple Pay / Google Pay (EUR) "3.5% of transaction amount, minimum 1 EUR", (non-EUR) "5.5% of transaction amount, minimum 1 EUR". Rate: "The quoted rate reflects the rate provided via the publicly available market pricing tool CoinGecko at the time of the transaction, plus a spread of 0% to 2.5%, depending on how volatile the currency is at the time." (on 18 August 2026 the same sentence read "plus a spread of 2.5%"). Third-party fees (gas, validator, liquidity) are separate and "displayed before you confirm your transaction". Worked example (our arithmetic, not a Transak figure): a EUR 200 purchase by SEPA = EUR 1.98 fee plus a spread of 0 to 2.5 percent over CoinGecko, an all-in of roughly 1 to 3.5 percent plus network fees; by EUR card = EUR 8.00 fee plus the same spread, roughly 4 to 6.5 percent. A second, USD-denominated on-ramp fee table on transak.com/fees-pricing-calculation (linked as "Pricing & Fees" from the compliance page) prices cards and bank transfers differently and does not say which jurisdiction it applies to.Fonbnk Terms of Service (https://fonbnk.com/terms-of-service), fetched 29 September 2026, HTTP 200, unchanged from 2026-08-18: "2.3 Processing Fee. You agree to pay a processing fee of 2.5% for all transactions related to the Fonbnk PayWidget unless a specific marketing promotion indicates otherwise." and "2.4 Blockchain Network Fees. You will be responsible for any blockchain network fees incurred per Supported Blockchain for On-Chain Transfers to your wallet. These fees are dynamic and will be determined based on network congestion during the transaction." No pricing page exists (https://www.fonbnk.com/pricing returns HTTP 404 on 29 September 2026) and no exchange-rate spread or benchmark is disclosed on the Terms or the docs. Worked example (our arithmetic, not a Fonbnk figure): a purchase worth about USD 232 (EUR 200) carries a 2.5 percent processing fee of about USD 5.80, plus the network fee and an undisclosed local-currency exchange spread.
Asset coverageEditorial——
Region fitSnapshotus, europe, caafrica, latam, asia
From the published criteria
Which should you pick?
Transak
81#1 of 16
Leads
Pick it when
Pick Transak if purchase cost matters most — it scores 7/10 to Fonbnk's 3/10 there (weight 34).
Strength
All in purchase cost — 7/10
Tradeoff
The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.
Fonbnk
41#15 of 16
Pick it when
Fonbnk leads Transak on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Kyc friction time to coins — 5/10
Tradeoff
Your recourse is structurally thinner than your purchase: a US$500 on-ramp ceiling, a refund path that exists only as a help-centre 'refund link' email the terms never promise, no status page, and a Delaware ToS capping Fonbnk's total liability at US$50 — about a fifth of the EUR200-equivalent purchase — with no licence in any of the 20 countries its docs listed on 2026-09-29 to complain to a regulator about.
Self-identify in 10 seconds
Which one is actually for you?
TransakLeads
Choose Transak if purchase cost matters most
Purchase cost: 7/10 against 3/10 for Fonbnk (weight 34)
Quote honesty: 6/10 against 2/10 for Fonbnk (weight 26)
Named licence: 6/10 against 1/10 for Fonbnk (weight 22)
TransakScore 81The most disclosed onramp in the pool — full per-rail fee schedule with minimum floors plus a separately stated spread over CoinGecko of 0% to 2.5% depending on volatility (a flat 2.5% in August; read 2026-09-28) — whose own help centre admits the settled amount floats to the settlement-time rate on bank rails, and whose otherwise numbered five-jurisdiction licence stack has a conspicuous MiCA-shaped hole.Strength: All in purchase cost — 7/10Watch-out: The number on the confirm button is not the number that settles: the quote is 'valid only for a short period — generally between 5 and 10 seconds', settlement on bank rails happens at the 'Market Price (at time of bank transfer settlement)', and standard SEPA 'May take up to 3-5 Working Days' — so the buyer wears up to five days of market move, and with a spread of 0% to 2.5% over CoinGecko on top of the 0.99% fee the cheap bank rail lands anywhere from roughly 1% to 3.5% all-in (fee article read 2026-09-28) — though that day Transak's coverage page and countries API listed no EU state and its fiat API offered EUR with no SEPA option.
Fonbnk
Fonbnk leads Transak on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
FonbnkScore 41Mobile-money, bank and digital-wallet rail turning KES/NGN/GHS and ten other local currencies into stablecoins in the 18 countries the provider states on 2026-09-29 have an on-ramp channel (its homepage says '19 Markets'; the docs call airtime 'off-ramp only, everywhere') — the most local rail in the pool, and the pool's silence specimen on fees, quote binding and licences.Strength: Kyc friction time to coins — 5/10Watch-out: Your recourse is structurally thinner than your purchase: a US$500 on-ramp ceiling, a refund path that exists only as a help-centre 'refund link' email the terms never promise, no status page, and a Delaware ToS capping Fonbnk's total liability at US$50 — about a fifth of the EUR200-equivalent purchase — with no licence in any of the 20 countries its docs listed on 2026-09-29 to complain to a regulator about.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Purchase cost
by 4 of 10weight 8.2 of 86Transak leads
Transak7/10 out of 10
Fonbnk3/10 out of 10
Quote honesty
by 4 of 10weight 6.2 of 86Transak leads
Transak6/10 out of 10
Fonbnk2/10 out of 10
Named licence
by 5 of 10weight 5.3 of 86Transak leads
Transak6/10 out of 10
Fonbnk1/10 out of 10
KYC and speed
by 2 of 10weight 4.3 of 86Transak leads
Transak7/10 out of 10
Fonbnk5/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
Transak12/20Fonbnk12/20
Tie
Published criteriaweight 30 of 86
Transak15.6/30Fonbnk6.4/30
Transak leads
Frictionweight 10 of 86 · constant here
Transak2.7/10Fonbnk2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Transak3.2/8Fonbnk3.2/8
Tie
Measured dataweight 18 of 86
Transak13.8/18Fonbnk2.8/18
Transak leads
Decision rulePublished order
Choose Transak unless the term Fonbnk leads on is the one you are buying.
Fonbnk leads Transak on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Whose money-transmission licence is my money riding — and is that entity my counterparty? · 22% (Transak 6/10, Fonbnk 1/10)
Execution failure: you get a worse price, later, or nothing.
Scored by Is the number on the widget the number that settles? · 26% (Transak 6/10, Fonbnk 2/10)
Information failure: the number is wrong or bought, or your data leaks.
Scored by How much identity do I surrender before the coins land in my wallet, and how long does that take? · 18% (Transak 7/10, Fonbnk 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does a €200 purchase actually cost me — by card and by bank, all-in? (34%).
Questions
Frequently asked questions
Transak scores 40 points above Fonbnk, led by purchase cost, quote honesty, and named licence. Published scores, out of 100: Transak 81 (rank 1 of 16 onramps), Fonbnk 41 (rank 15 of 16).
Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
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